crypto card
Uphold Card
We are currently aggregating verifiable technical data for this product.
Pros & Cons
Strengths
- + Earn up to 4% XRP back on eligible purchases in the US.
- + Multi-asset spending from a single wallet (fiat, crypto, stablecoins).
- + Instant virtual card compatible with Apple Pay and Google Pay.
- + No annual fee on the US Essential tier.
Weaknesses
- - Crypto-to-fiat conversion spread when spending non-stablecoin crypto.
- - US rewards are only paid in XRP.
- - Tight spending and ATM limits on the free tier.
- - Only available in the US and UK.
Facts about the Uphold Card
Card Type
Debit Card
The Uphold Card is a Mastercard Debit Card in the UK and Visa in the US.[source]
Monthly / Annual Fees
Essential: $0 / Elite: ~$99.99 annually
The Essential tier has no annual fee. The Elite tier costs $99.99 annually.[source]
Rewards & Cashback
Up to 4% XRP (Elite) / 2% XRP (Essential)
In the US, earn 2% XRP back with the Essential tier and up to 4% XRP back with the Elite tier. UK users earn 1% back in GBP on GBP-funded purchases.[source]
ATM Limits
Essential: $500/day / Elite: $2,000/day
The Essential tier allows up to $500 per day in ATM withdrawals, while the Elite tier allows up to $2,000 per day.[source]
Foreign Exchange Fees
Essential: $1.50 per purchase / Elite: 0%
The Essential tier charges a $1.50 fee on foreign purchases in the US, whereas the Elite tier has a 0% foreign transaction fee.[source]
Spending Limits
Typical spend limits up to $15,000/day
Daily purchase limits are up to $15,000 typically, varying by tier.[source]
Staking Required
No
There are no crypto staking requirements to get or use the card.[source]
Credit Feature
No
The Uphold Card is a debit card funded by your existing account balances, not a credit card.[source]
ATM Withdrawal Fee
Essential: $2.95 / Elite: $0
Essential tier charges $2.95 per withdrawal, Elite tier has $0 fee.[source]
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